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thats a terrible thing to say
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Oct 13, 2020 22:29
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power botton posted:thats a terrible thing to say he meant R Kelly
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Oct 13, 2020 22:34
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pseudorandom name posted:I look forward to Kelly inevitably catching COVID-19 he's already had it and it's made him more powerful than ever, he cannot be stopped dude's like 40, he'd be fine
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Oct 13, 2020 23:24
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no not Ward Sutton, Kelly
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Oct 13, 2020 23:44
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H.P. Hovercraft posted:he's already had it and it's made him more powerful than ever, he cannot be stopped oh, hell, that’s young.
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Oct 14, 2020 00:27
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pseudorandom name posted:no not Ward Sutton, Kelly yeah, in-universe this would be pretty on-point. editorial non-apology after catching it and nearly dying
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Oct 14, 2020 00:53
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President Beep posted:oh, hell, that’s young. lol at how old you are if 40 is “wow that’s young!”
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Oct 14, 2020 07:22
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shut up!!!
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Oct 14, 2020 11:37
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lmao https://www.wsj.com/articles/covid-unemployment-debt-middle-class-family-finances-11600122791 quote:In a good year, the 43-year-old lawyer and her husband, Ian Boschen, 41, together brought in about $175,000, the couple said—enough to cover the mortgage, two car leases, student loans, credit cards and assorted costs of raising two daughters in the New York City suburbs. $175K is about $10K/mo net after taxes, health insurance, 401K contributions, etc $9K a month in debt isn't affordable on $10k/mo net lmao
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Oct 14, 2020 16:02
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lol but also from how it’s worded 175k was likely their take-home, but still 9k of debt payments on 14.5k of income is crazy
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Oct 14, 2020 16:06
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jesus WEP posted:lol but also from how it’s worded 175k was likely their take-home, but still 9k of debt payments on 14.5k of income is crazy Dunno how it's done in the UK but when people talk about income here it's almost always gross.
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Oct 14, 2020 16:07
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Lynn Scott-White, 47, was furloughed from her job as a corporate travel agent at the end of March. Before the pandemic, she and her husband together earned roughly $150,000, she said. The Denton, Texas, couple pay $4,400 a month on their mortgage, four car loans and leases, and student debt, Ms. Scott-White said. Minimum required monthly credit-card payments total about $700. The debt was manageable pre-pandemic, she said. She deferred lease payments on her Infiniti QX60 for three months and started paying again with unemployment benefits. Her husband traded in his Ford F-150 in August for a lower-cost car and reduced his original monthly payment of $820 by about $100, and his income covers the $2,100 mortgage.
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Oct 14, 2020 16:08
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The one thing every suburban dad needs is a fully tricked out f150 that they use to haul maybe 1 thing every year.
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Oct 14, 2020 16:14
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when you have more car loans than people that drive cars, you've really screwed up somewhere
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Oct 14, 2020 16:15
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dude is still paying seven hundo a month for his car 
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Oct 14, 2020 16:16
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i'm completely blown the gently caress out that the framing of that article is that these are reasonable debt-to-income ratios during normal times and that it's just the pesky pandemic loving things up for them. If you're making six figures and can't handle a few months of reduced income you hosed up bad
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Oct 14, 2020 16:17
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we have a $1500 mortgage and a $250 lease and then living expenses. i was going to get another lease but given that i've driven my car approx 4 times in the last 7 months I'm not going to anymore since an old pontiac does fine for the job of "have a vehicle available for emergencies when the missus is working overnight"
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Oct 14, 2020 16:18
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yeah but it's only the fourth car that two people have so what can they do??
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Oct 14, 2020 16:19
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cars are not an asset, they are an expense, and people's brains are so hosed up on that idea that a major tell for whether or not someone can retire on time is how frequently they replace their car.
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Oct 14, 2020 16:19
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in this case it's also partly a texas thing, they love car culture so it's a status symbol
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Oct 14, 2020 16:31
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Pittsburgh Fentanyl Cloud posted:i'm completely blown the gently caress out that the framing of that article is that these are reasonable debt-to-income ratios during normal times and that it's just the pesky pandemic loving things up for them. i'm the $700 minimum monthly credit card payments
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Oct 14, 2020 16:36
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that kinda stuff is nuts to me. we have no debt and total spending is about 1/4 to 1/3 of our take home. student loans i get, but how do you feel comfortable with all the rest of that?
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Oct 14, 2020 17:00
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i don’t think anyone actually feels comfortable with it, but it’s better than the alternative of the rest of your suburb tutting at your ancient car from 2016
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Oct 14, 2020 17:08
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lol at four cars, none of which you actually own
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Oct 14, 2020 17:13
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ive got four vehicles but the total spend was $11,300 and i have a stack of four titles in my file box. also 3 of them are cheap motorcycles so its not like they take up space or anything. im old so the insurance is cheap af
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Oct 14, 2020 17:17
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I sold my car since we only really need one for the both of us what with remote work for the foreseeable future.
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Oct 14, 2020 17:23
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so many people have bought more house than they needed or could really afford because their parents made out like bandits doing the same thing and probably spent decades telling them the right way to do it is just like mom & dad but ignoring that mom & dad had a $300 mortgage on 1500 take-home income and not a $4k payment on 6000
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Oct 14, 2020 17:38
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qirex posted:so many people have bought more house than they needed or could really afford because their parents made out like bandits doing the same thing and probably spent decades telling them the right way to do it is just like mom & dad but ignoring that mom & dad had a $300 mortgage on 1500 take-home income and not a $4k payment on 6000 I had a friend whose absentee dad kept calling him in 2009 or whenever that was to buy a house NOW DURING THE $8000 TAX CREDIT OR YOU'RE WASTING MONEY so he bought a poo poo 600sq ft condominium that he ended up hating and took a bath on the closing costs selling again within three years. lol
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Oct 14, 2020 17:42
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Pittsburgh Fentanyl Cloud posted:I had a friend whose absentee dad kept calling him in 2009 or whenever that was to buy a house NOW DURING THE $8000 TAX CREDIT OR YOU'RE WASTING MONEY
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Oct 14, 2020 17:50
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Four people on my street have bought new cars since June, in the midst of an unprecedented economic collapse. One of them has a wife and two kids and he bought a Dodge Challenger, I'm assuming because he hates his family. We're street parking on a hill here, if you buy a nice car to live here you're out of your fuckin' mind.
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Oct 14, 2020 17:52
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well, it is a Dodge challenger, so apparently they know about the not buying a nice car bit.
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Oct 14, 2020 17:54
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i know a family that are paying for a house, a boat, a 4 wheeler, an RV, probably a bunch of other poo poo i can't remember, and they trade in their full size truck every other year for a new one. they always complain about how poor they are and they shop at wal-mart for everything. the husband is a carpenter and is one injury away from the whole kit and caboodle going up in smoke
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Oct 14, 2020 17:57
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the three dodge challengers in our apt parking lot were all gone the first week of april
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Oct 14, 2020 18:00
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graph posted:the three dodge challengers in our apt parking lot were all gone the first week of april Guy who sold me my Outback worked at a Dodge dealer beforehand and said they had specific 'image cars' they tried to sell to specific customers who came through the door, and the Challenger was not the most flattering car to be offered.
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Oct 14, 2020 18:03
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i don't have a car and it feels good
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Oct 14, 2020 18:12
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PokeJoe posted:i don't have a car and it feels good
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Oct 14, 2020 18:22
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i want to get a prius or ev or something but my car is only 6 years old and has zero issues so i'm going to drive it into the ground have another bicycle on the way though  and i want a electric motorcycle but they're silly expensive right now
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Oct 14, 2020 18:44
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Roosevelt posted:i know a family that are paying for a house, a boat, a 4 wheeler, an RV, probably a bunch of other poo poo i can't remember, and they trade in their full size truck every other year for a new one. they always complain about how poor they are and they shop at wal-mart for everything. the husband is a carpenter and is one injury away from the whole kit and caboodle going up in smoke actually he was smart going into the trades and everyone else is a limp wristed dumbass.
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Oct 14, 2020 19:08
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my truck is old enough to drink and I still don't plan on replacing it until it likely ends up killing me
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Oct 14, 2020 19:20
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the dealership where i got my gti sends me a letter on the 17th of every month like clockwork offering to buy it back for 30-80 dollars less than the month prior
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Oct 14, 2020 19:22
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